How Long Do You Have to Report a Car Accident to Insurance?

Do I Have to Report Every Accident to My Insurance Company?

If you are involved in an accident of any nature, you should always report it to your insurance company. If your vehicle or another vehicle is damaged, reporting it will ensure that your policy covers the damages and other related expenses. If you are at fault for the accident, filing a timely report will help protect you from out-of-pocket expenses.

In addition, even if there is no damage to your vehicle, it’s still best to report it. If the other driver reports a collision and you haven’t, you may face legal penalties.

When Should I Report My Accident to Insurance?

As noted, the timeline will vary based on your insurance carrier and policy. However, you should report your accident as soon as it is safe. In the immediate aftermath, examine yourself and others for injuries and move out of danger. Then, call the police and your insurance company to report it.

By doing this before you leave the scene, you ensure that you stay in compliance with any related laws and insurance requirements. Conversely, if you wait until you leave the scene, you risk missing filing deadlines, which can lead to legal and insurance-related issues.

How Do I Report My Accident?

The best way to report your accident to your insurance company is to call your company while you are still at the scene. The insurance agent will guide you through the reporting process and record any necessary information.

However, if you need to wait a few hours and report the incident when you get home, have the following information about the other driver available for the insurance agent:

• Full name and birthdate
• Insurance policy carrier and policy number
• Driver’s license number
• License plate number
• Make, model, and year of their vehicle

You will also need to provide a full description of the accident. This is another reason reporting the accident while still on-scene is beneficial – you’ll have a fresh memory of the event.

If you need to wait to report the accident, write down a few notes while it is still fresh in your mind. This will help you provide an accurate depiction. Further, if you have any photographic evidence, you should inform your agent and arrange to provide them with these materials.

Contact the Las Vegas Car Accident Lawyers at Valiente Mott

If you are involved in a car accident in Las Vegas, Valiente Mott can help you recover damages that you need to rebuild your life. Our attorneys have years of experience handling cases involving car accident-related injuries in Las Vegas, so we know what it takes to help you win your case and earn you compensation. Contact us today to schedule a free, no-obligation consultation.